In 2026, the FHA loan limits in Germantown county, within Shelby, TN are: $472,030 for single-family homes, $604,400 for 2-unit properties, $730,525 for 3-units, and $907,900 for 4-units.
For conventional loans, the maximum borrowing amounts are $726,200 for single-family homes, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit buildings.
Use our FHA calculator to determine today’s optimal FHA rates, along with the necessary down payment, income level, credit score, reserves, and documents needed for loan qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, offering comprehensive financial analysis.
Lendersa® aggregates data from thousands of lenders and matches it with your financial profile in seconds for tailored loan solutions.
The Loan Limits Comparison Table for 2026 in Germantown county of Shelby, TN offers comparisons between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing income, reserves, and credit requirements, utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
